Medical Aid, Life Insurance, Retirement, Investing, Unit Trusts,

Easy to understand Medical Aid Advice. Quick, low premium, Life Insurance Online Quotes. Retirement Planning - if you don't save for your pension - no one else will! GET ADVICE

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Why You Really Need Life Insurance

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KEYCARE MEMBERS BEWARE!!

As a valued KeyCare member, please note be aware that a few KeyCare members have experienced shortfalls with in-hospital KeyCare specialist claims.

KeyCare has a specialist limit of R 3,000 per person, per year. And should you need MRI/CT scans, they are paid from this same specialist limit, considerably reducing your specialist benefits!

As a result, this limit proved to be insufficient for their treatments.

We have sourced the best Top Up plan we can find, especially designed to compliment KeyCare Plus.

The CURA GAP COVER plan will: • Pay any shortfalls up to 6 times the KeyCare tariff for in-hospital procedures/services and certain specified out of hospital treatments. • Pay for chemotherapy or radiotherapy for the treatment of cancer on an out-patient basis. • Pay for kidney dialysis on an out-patient basis.

Maximum benefit is R 1,000,000 per family, per year. There is no maximum age limit when joining.

ALL THIS FOR ONLY R 135 pm (individual or family)

There are waiting periods of: • 3-months general • 9-month on pregnancy • 12-month for pre-existing conditions.

Want to join? PLEASE COMPLETE AND SEND ME THE GAP COVER APPLICATION

I will send you your acceptance in around 4 days! http://www.peterpyburn.co.za/cura.pdf

P.S Join today and never fear any KeyCare Plus in-hospital shortfalls again!

Exclusions apply

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WHY TOP UP YOUR MEDICAL AID?

Well, private healthcare costs are increasing at way over the inflation rate. And medical aids cannot keep imposing high annual contribution increases to meet these higher costs. So, they cut the benefits and reduce your annual treatment limits. Are your premiums are going up while your cover is staying level – or even reducing?

This is where TOP UP/GAP cover plans are vital!

A good Top Up/Gap plan will reduce the co-payment gap you may face with your medical aid plan. It will pay any scheme-related, in hospital shortfall you may face. Shortfalls from anaesthetists, surgeons, other specialists, family practitioners, hospitals who charge more than your medical aid pays.

If you are on a medical aid plan that covers you between 100% – 200% of tariff rates (which is the standard option), there is a 50% likelihood that you will suffer a shortfall with private in-hospital claims.

A Top Up/Gap plan can be added to any medical aid – even a company medical aid.

THERE ARE MANY TOP UP PLANS AVAILABLE.  WHICH ONE IS RIGHT FOR YOUR MEDICAL AID?

NO PROBLEM – contact me and I’ll show you a couple of options that will meet the needs of your medical aid. Apply through me – at no added cost – and I’ll get you covered in a few days!

Peter     http://www.peterpyburn.co.za/gap.html

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Enjoy great savings with Fedhealth and Sanlam Reality!

Fedhealth Sanlam Reality is a lifestyle, wellness, rewards and financial education programme available to all Fedhealth medical aid members from 1 January 2016. Taking care of your money is rewarding, therefore the Reality Health membership option has been specifically tailored to help Fedhealth members save money on travel and entertainment, day-to-day expenses, and learn more about achieving financial fitness.

What does Sanlam Reality offer members? More than 20 amazing benefits to help you save time and money. These benefits are divided into the following categories:

Day-to-Day Savings, Wealth, Travel, Health and Entertainment

Family membership options, which allows dependants to join the programme and utilise the benefits independently of the principal member.

A Bronze, Silver and Gold tiering structure that allows members to earn more discounts.

A day-to-day transactional shopping card called Money Saver, which pays out an annual or quarterly cash-back bonus. You can earn back up to 10% of your monthly spend when you shop at our list of national retailers.

An online platform called Wealth Sense, with free access to money calculators, tools, tips, digital magazines and more…

SEE MORE? http://www.peterpyburn.co.za/sanlam-reality-fedhealth.pdf